Core Insights - The private banking sector is experiencing intense competition among major banks, with a focus on high-net-worth clients and asset management growth [2][19] - Recent developments, including the "internship monetization" controversy involving Industrial Bank, have sparked discussions about the boundaries of value-added services in private banking [1][7] Group 1: Private Banking Market Overview - The total Assets Under Management (AUM) in the private banking sector has reached 24.6 trillion yuan, with many banks reporting double-digit growth in client numbers and AUM [2][6] - Major banks like Industrial Bank, Agricultural Bank, and Bank of China have surpassed 3 trillion yuan in AUM, with significant year-on-year growth rates of 18.87% and 16.73% respectively [6][12] Group 2: Client Growth and Performance - As of the end of 2024, Industrial Bank had 289,000 private banking clients, an increase of 9.9% from the previous year, while Agricultural Bank and Bank of China also reported substantial client growth [4][6] - The average AUM per private banking client varies, with Industrial Bank at 11.52 million yuan and Agricultural Bank at 11.51 million yuan [3][6] Group 3: Competitive Strategies - Banks are adopting differentiated strategies to attract high-net-worth clients, with a focus on comprehensive services that include financial and non-financial resources [9][12] - The competition is not only about asset size but also about the quality of services offered, with banks like Industrial Bank and Construction Bank emphasizing tailored solutions for entrepreneurs [14][18] Group 4: Challenges and Future Directions - The private banking sector faces challenges such as product homogenization and intense competition, which may impact the effectiveness of non-interest income growth [4][19] - Moving forward, the industry is expected to shift from a scale-oriented approach to one focused on the health of client assets, aiming for a transformation from "scale competition" to "value management" [20]

Core Insights - The closure of the "10 million deposit for internship opportunities" program by Industrial Bank highlights issues of fair competition, while the private banking sector continues to engage in a "client acquisition war" targeting high-net-worth individuals [2] - Various banks are employing different strategies to attract and retain high-net-worth clients, focusing on services such as education for children and overseas internships [2][3] Group 1: Private Banking Strategies - Industrial Bank's private banking division has apologized and shut down a controversial program, but competition among banks for high-net-worth clients remains intense [2] - CITIC Bank's private banking collaborates with its financial subsidiaries to provide internship resources for high-net-worth clients' children, offering a "1-week training + 2 to 4 weeks internship" opportunity [2] - ICBC's private banking serves over 300,000 clients, with many participating in charitable donations, indicating a trend of high-net-worth individuals engaging in philanthropy [3] Group 2: Growth Metrics - As of the end of 2024, the total number of private banking clients among 13 major banks in China reached 1.7131 million, a year-on-year increase of 254,500 clients, representing a growth rate of 17.4% [6] - ICBC's private banking assets under management (AUM) reached 3.47 trillion yuan by the end of 2024, with a growth rate of 13.2%, leading the industry [6] - The private banking sector is becoming a key growth area for banks amid pressures in retail banking, with Deloitte's report indicating that private banking is crucial for stabilizing short-term performance and optimizing client structure [6] Group 3: Client Demographics and Standards - The threshold for private banking clients is generally set at a financial net asset of 6 million yuan, but banks have varying standards; for instance, China Merchants Bank requires a minimum of 10 million yuan [7][8] - The average asset per private banking client significantly exceeds the minimum threshold, with China Merchants Bank clients averaging over 25 million yuan [8] - High-net-worth families in the Greater Bay Area are substantial, with 510,000 families having assets of 10 million yuan and 30,000 families with assets of 100 million yuan, indicating a large potential for wealth management services [7] Group 4: Evolving Client Needs - There is a noticeable shift in high-net-worth individuals' consumption patterns, with a 12% decline in material consumption and a 2% decrease in the high-end consumer market, prompting a focus on enhancing emotional well-being [9] - The demand for refined services among high-net-worth individuals is diversifying, with increased interest in household services and family advisors, particularly in health-related services [9]

不只是子女教育，南都湾财社记者注意到，目前各大银行维系高净值客户的"方法论"不一，可谓各有招 式、各显神通。 剑指高净值圈层 向慈善、科技、医养等板块"出牌" 工商银行私人银行为高端客群打出"金融赋能慈善"牌。在中华慈善总会2025年善家传承交流会上，私人 银行部相关人士介绍，工商银行目前服务的私银客户超过30万户，相当一部分私银客户已参与或计划参 与慈善捐赠，以企业家为代表的高净值人群已成为我国慈善事业的中坚力量。加强对高净值人群参与慈 善的规律研究，对构建大慈善发展格局具有重要意义。 另一家国有大行也在深化服务品质。 2024年末，建行私人银行中心共计248家；私人银行客户金融资产 2.78万亿元，较上年增长10.31%；私人银行客户23.15万人，较上年增长8.81%。记者在其官网看到，除 了资产管理和综合金融两大服务板块外，该行提供的增值服务包里，囊括了法律服务、子女教育、健康 关爱、紧急救援和养老服务等内容。子女教育则放在相对重要位置，并以海外教育服务为主，包括出国 留学和海外研学两大项服务。该行表示，私行海外教育服务以与第三方专业机构合作为主，客户经理或 财富顾问通过提升海外教育相关专业知识，同时 ...

出品 | 搜狐财经 作者 | 冯紫彤 私人银行服务有多"卷"？近日，一项兴业银行私人银行为客户子女推出的实习项目引发舆论热议。 据媒体报道，该项目名为"2025菁英实习计划"，发布于兴业银行私人银行微信公众号，旨在为高净值客户子女提供金融、互联网、咨询、快消、传媒、汽车 等行业的实习机会，包括摩根大通、中金资本、谷歌、微软、字节跳动等知名企业。 对此，兴业银行回应称，对该项目在推广中表述不完整造成的误解，深表歉意。兴业银行表示，该项目是该行私人银行部面向高净值客户提供的增值服务， 委托第三方机构执行。第三方机构通过公开渠道，收集优质企业的实习岗位信息，推荐给客户，并为客户提供职业能力评估和培训辅导等服务，帮助申请人 更好地匹配实习岗位需求。申请人是否可获得实习机会，由面试企业最终决定。 鉴于该项目引起争议，经审慎评估，兴业银行已暂停该项目。 高利润率+强客户粘性，"私人银行"业务素有银行业"皇冠上的明珠"之称。搜狐财经统计了15家重点上市银行私人银行相关数据，截至2024年末，15家银行 共有私行客户175.2万户，私行客户户均资产约1360万元。 为拓客展"十八般武艺"，插花品茗、子女留学指导等成私行标配 ...